How We Score NZ Investment Properties
A transparent look at the AI scoring methodology behind FindMyProperty.co.nz — from renovation cost estimation to composite investment scores.
Every property listed on FindMyProperty.co.nz has been put through a rigorous, automated analysis pipeline. This article explains exactly how we arrive at the composite score you see on each listing — and what it means for you as an investor.
The Six-Component Scoring Model
Our composite score (0–100) is a weighted average of six individual component scores. Each component is designed to answer a specific question about the property's investment potential.
- ROI Score (30%) — Can this property return ≥15% flip ROI or ≥9% rental yield?
- Timeline Score (15%) — Is the renovation achievable within an 8-week target?
- Confidence Score (20%) — How reliable are the comparables and data we used?
- Subdivision Score (15%) — Is there potential to add value through subdivision?
- Location Score (10%) — Does the area have strong rental demand and population growth?
- Insurability Score (10%) — Can the property be insured at a reasonable cost?
AI Vision Analysis
Before any financial modelling begins, we analyse the property's photos using AI vision. The model assesses roof condition, exterior and interior quality, kitchen and bathroom age, and identifies structural concerns. This drives the renovation level classification — light, moderate, or heavy — which in turn determines the renovation cost estimate.
How renovation cost is calculated
We use a per-square-metre cost schedule based on renovation level (light: $400–600/m², moderate: $700–1,000/m², heavy: $1,100–1,500/m²), applied to the floor area. Additional line items are added for specific items identified in the photos (e.g. kitchen replacement, re-roofing). A 15% contingency is always included.
Flip vs Rental Strategy Decision
After financial modelling, the system compares the flip ROI against the rental yield and selects the recommended strategy. Properties that meet the 15% flip ROI threshold and can be renovated within 8 weeks are classified as Flip candidates. Those with gross yields above 9% are classified as Rental candidates. Properties that qualify for both are marked as Subdivision or Hold.
Verdict Classifications
- Strong Buy — Score 80+, meets primary ROI/yield threshold, high confidence
- Buy — Score 65–79, meets threshold, moderate or high confidence
- Maybe — Score 45–64, borderline on financials or lower confidence data
- Pass — Score below 45, or fails hard filters (uninsurable, flood zone, poor location)
“The score is a starting point, not a final answer. We recommend verifying renovation costs with a local builder before committing to a deal.”
Watch: Walkthrough of the scoring dashboard
Frequently Asked Questions
What is a good composite score on FindMyProperty.co.nz?+
A score of 80 or above is classified as Strong Buy — the property meets our primary ROI or yield threshold with high confidence. Scores of 65–79 are Buy, 45–64 are Maybe, and below 45 is Pass.
How is the renovation cost estimate calculated?+
We use AI vision to classify the renovation level (light, moderate, or heavy), then apply a per-square-metre cost rate to the floor area. A 15% contingency is always included. Line items such as re-roofing or kitchen replacement are added individually when flagged.
What does the confidence score measure?+
The confidence score (20% of composite) reflects the reliability of the data used — specifically the quality of comparable sales, the number and quality of listing photos, and whether the floor area was explicitly stated or estimated.
Can I override the AI renovation estimate with my own number?+
Yes. On every property detail page there is a scenario modeller where you can enter your own renovation cost and immediately see the updated flip ROI and rental yield.
See it in action
Browse AI-scored NZ investment properties with full financial breakdowns.
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